We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 79 results
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Decision Reference DRN-4165312
23 Aug 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4165312 The complaint Mr C, through his representative, complains that Valour Finance Limited, trading as Savvy.co.uk (“Valour”) lent to him irresponsibly. What happened Mr C took two loans with Valour and a summary of the borrowing is in this table here: Loan Approved Amount Monthly R... (3 pages)View decision -
Decision Reference DRN-4258659
14 Dec 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4258659 The complaint Mr B complains Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with loans without carrying out appropriate affordability checks. What happened Mr B received two loans from Valour; 1. £400 loan on 29 June 2021 payable in 6 monthly instalments. 5... (4 pages)View decision -
Decision Reference DRN-2951327
3 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2951327 The complaint Mr W complained that Valour Finance Limited, when it was trading as Savvy.co.uk (‘Savvy’) lent to him irresponsibly. What happened Mr W took out loans with Savvy as follows: loan start date date repaid monthly instalments loan amount highest instalment amount 1 11... (6 pages)View decision -
Decision Reference DRN-4665169
12 Mar 2024 Valour Finance Limited UpheldConsumer CreditDRN-4665169 The complaint Mr W complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) should’ve carried out further checks before it granted unaffordable loans to him. What happened A summary of Mr W’s borrowing can be found in the table below. loan number loan amount agre... (6 pages)View decision -
Decision Reference DRN-4011186
6 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4011186 The complaint Mr W complains Valour Finance Limited trading as Savvy.co.uk (Valour) provided him with a loan without carrying out appropriate affordability checks. Mr W also says he was offered a loan over a longer term than he had anticipated. What happened Mr W took one loan ... (4 pages)View decision -
Decision Reference DRN-4196129
28 Jun 2023 Valour Finance Limited Not upheldConsumer CreditDRN-4196129 The complaint Miss S, through her representative, complains that Valour Finance Limited, trading as Savvy.co.uk, lent to her irresponsibly. What happened Valour has no records due to the passage of time as the loan was approved in 2015 and the complaint was made in 2022. One of... (3 pages)View decision -
Decision Reference DRN-2965503
27 Aug 2021 Valour Finance Limited Not upheldConsumer CreditDRN-2965503 The complaint Ms R has complained that Valour Finance Limited trading as Savvy.co.uk (Savvy) didn’t carry out affordability checks. If it had done so, it would’ve seen she had a number of loans outstanding and a low credit score. What happened Ms R took two loans from Savvy bet... (4 pages)View decision -
Decision Reference DRN-4381774
5 Oct 2023 Valour Finance Limited UpheldConsumer CreditDRN-4381774 The complaint Mrs B complains that Valour Finance Limited trading as Savvy.co.uk (“Valour”) gave her loans without carrying out the correct affordability checks. Mrs B says had it carried out better checks, Valour would’ve seen multiple late payments and evidence that she was c... (8 pages)View decision -
Decision Reference DRN-2888462
10 Sep 2021 Valour Finance Limited Not upheldConsumer CreditPage 1 of 5The complaint Miss H has complained that Valour Finance Limited trading as Savvy.co.uk (Savvy) didn’t carry out affordability checks. Miss H also says Savvy didn’t treat her fairly in the way it applied pressure to her to enter repayment plans and then by defaulting her account ... (5 pages)View decision -
Decision Reference DRN-4676859
19 Apr 2024 Valour Finance Limited Not upheldConsumer CreditDRN-4676859 The complaint Mr H complains Valour Finance Limited trading as Savvy.co.uk (“Valour”) provided with a loan without carrying out proper affordability checks. Mr H says he is a vulnerable consumer and Valour didn’t do enough to try and protect him and it also charged him a large ... (4 pages)View decision
